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Bonita Springs, FL car insurance requirements
The first requirement is that you policy is issued in Florida. If your insurance policy is from another state, it will not be valid.
Florida is a No-Fault State for car insurance. Most people who come to live in Bonita Springs are unaware of No Fault insurance. Knowing and understanding Florida No-Fault insurance law will help you to find the right coverage for you and will also help you if you need to make a claim in the future.
Here are the minimum legal car insurance requirements:
- Personal Injury Protection (PIP) – $10,000
- Property Damage Liability – $10,000
Personal Injury Protection (PIP) in Bonita Springs,Florida
In the event of an accident, your PIP policy would payout without regard to fault. PIP covers you for costs such as medical expenses, lost wages and other damages . PIP also pays a $5,000 death benefit.
Property Damage Liability (PDL) in Bonita Springs,Florida
This covers damages to other people’s property caused by you or a member of your family. Property may include fences, buildings, other road vehicles or roadside items such as road signs.
Factors that can affect Auto insurance requirements in Bonita Springs, FL
Only higher risk drivers are required to carry Bodily Injury Liability (BIL) as well. Drivers who are required to carry SR22 insurance, have a poor driving history or have been at fault in an accident will fall in the high risk insurance category.
It is a criminal act to drive without car insurance in Bonita Springs, FL. When you get caught you may face serious legal charges. For the next 3 years you will have to file an SR22 Form to demonstrate you are a responsible driver. The DMV has the power to suspend your license for up to three years!
As you probably know, DUI is considered a serious driving offence. A DUI conviction will result in you having to file a FR44 Form. Traffic violations, a poor driving record and SR22/FR44 convictions will inevitably mean higher car insurance premiums.
What is Florida No Fault Insurance?
No-Fault insurance simply means that each driver is covered by his own insurance in the case of an accident but have restricted rights to legally seek recovery for losses caused by the accident. In this way a driver cannot be sued for damages even if they were at fault.
Some men and women in Bonita Springs, Florida however, are misled into thinking that all cost will be covered by their policy.This is unfortunately simply not true. Your insurance covers only the medical bills up to your pre-defined limit – the legal minimum in Flordia being $10,000. If your car or property is damaged, the at fault driver’s insurance should cover the expenses.
Florida No fault car insurance law is intended to reduce lawsuits between drivers. You can only sue the ‘at fault’ party if you are seriously injured or disfigured.
Should I consider any other type of cover for my Bonita Springs car insurance policy?
Insurance professionals point out that going for the legal minimum coverage required is not a wise idea. It will be hardly enough to cover you in a case of a more serious accident. Higher limits and additional cover will guarantee that you are properly insured. This could include:
- Adding collision and comprehensive coverage.
- Uninsured/Underinsured Motorist insurance coverage.
- Increasing your deductible to help offset some of the additional costs.
Affordable auto insurance in Bonita Springs, FL
Finding affordable auto insurance in Bonita Springs, FL, is easier than you think. It really is as simple as shopping around and comparing quotes from reputable insurers. And never ever simply accept a renewal quote from your current insurer stright away. Auto insurance companies in Bonita Springs, FL are fighting for new business and that is a good news for you!
They offer discounts and special rates which are only available to new customers.
Under many circumstances, even young drivers car insurance in Bonita Springs, FL may be cheaper than you think Are you aware that good grades can actually mean cheaper car insurance? As a parent this is really a win-win situation, if you encourage you son or daughter to get better grades they’ll be getting a better start in life AND cheaper car insurance!
Seniors drivers can also get discounts and enjoy affordable auto insurance in Bonita Springs, FL too. That’s because insurance companies know that seniors don’t drive fast cars recklessly and do less miles per year.
What are you waiting for, compare Bonita Springs car insurance quotes NOW and you could save up to 35%!
Tags: Bonita Springs Car Insurance Quotes, Bonita Springs Florida Car Insurance, Bonita Springs Insurance Requirements
